NOT about Real Estate - Are there less fortunate who you know who need help?

          My mission is to serve my community by sharing my God given blessings. This time I'm specifically looking to serve those who are less fortunate and need help. I'm not above doing manual labor, in fact, I enjoy it when it's helping people in my community. I'm part of and have connections with communities that can help pay bills for those in dire need. I have helped with small project for the elderly. I've helped folks with small odds and ends projects. I'm looking for more ways to give back and need your help. My heart has always been that of a servant, and though Real Estate is how I make a living, I want to make sure as a human being I'm there for my community. You know, I had a hard time finding the words and courage to put this out there. I felt it could come off as disingenuous, even though I know it came from a thoughtful giving place, after a couple of months of going back and forth I felt I was called to send this out and let my community, you or anyone in your life, know exactly what my mission is. The offer doesn't only go for you, think of your Grandparents, or families in your life. My heart goes out to the elderly and struggling families the most. So please be thoughtful, and share or connect me with someone you feel could benefit from a helping hand and I will do my best to help in any way myself and my community can. God bless you and thank you for your time and trust.   If you enjoyed this video and want to learn more please subscribe to my Youtube channel. #home #firsttimehomebuyer #sacramento #california   For a video version of this article, check out the "This Video"   Check out More Home Buyer information  Check out More Home Seller information 

Most Important Disclosures

The Transfer Disclosure Statement and Seller Property Questionnaire the most important documents in a real estate transaction in California. These disclosures are the only two forms filled out by the seller.Being the only seller filled documents, these two are vital for sellers to fill out correctly, fully, and with any possible relevant information. As a home seller you should answer all questions truthfully and honestly. If the question is not true for your property, or you don’t know an answer to a question as a seller, where it's also impossible for you to determine an answer, only then will the answer be marked as “No.” Be sure to read each question thoroughly. Once you disclose these items as a seller, the buyers are made aware. These are any items, big or small. The disclosures include defects in the home now or past remedied defects, deaths on the property (with some stipulations), insurance claims ever made on the home, painting of any part of the home just to name a few key items. Particularly insurance claims on the home should be brought to your realtor's attention as soon as you begin discussing a sale of your home so they can best guide you.For buyers these disclosures are the two most important to review outside of a buyer's home inspections. They should be in line with what you would expect, for example if a seller claims they have renovated a home, and the home appears renovated, then the disclosures should be in agreement with what you know to be true and either support the repairs with permits, or disclose unpermitted work. As a buyer you should determine before your home search journey if homes without permits are acceptable to you and your family, or if you will need only permitted work on any home you purchase. Same goes for deaths on a property, as well as age of home preferences. It’s best if these preferences are discussed upfront with your real estate agent.The worst outcome for any real estate transaction is by a large margin what is referred to as failure to disclose. This can result in mediation, arbitration, litigation, and guaranteed headaches for everyone involved. Most common consequences are monetary damages to a seller found to have hidden material facts, and in severe circumstances sellers have been forced to buy property back from a buyer. As agents we are here to help, keep sellers honest, and ensure everyone avoids a very hard lesson of failure to disclose. If you’re selling a home, always error on the side of caution and over disclose rather than under disclose.If you enjoyed this video and want to learn more please subscribe to my youtube channel. #home #firsttimehomebuyer #sacramento #california For a 60 second or less version of this article, check out the "This Short Video"Check out More Home Buyer information  Check out More Home Seller information 

Closing Cost Most Home Buyers Don't Know About in California

  Most buyers, particularly first time home buyers, only budget and save for their down payment. Whether you're a cash buyer or buying with a loan, there are always additional costs in the process of buying a home and I'll outline them below. There are even more costs and fees when a buyer is using a loan; hopefully, they chose a lender who offers excellent service with little or no fees and low interest rates, to save on their total closing costs, but if there's a loan involved and a buyer has less than 20% down they will be required to pay upfront for property taxes. Prepaid Property taxes typically amount to several thousand and into the ten of thousands depending on what time of year it is how expensive a home is. Another upfront cost with a loan that will need to paid for is prepaid homeowners insurance. It's worth noting that as of 2024, many insurance companies in California and around the Sacramento area have increased or are going to increase their rates at least 30% going forward.Here are examples of expenses a home buyer should budget for in addition to their Deposit: -Escrow Fee-Owners Title Insurance Policy-Transfer Taxes-Natural Hazards Disclosure-Home Warranty-Inspection CostsBuyers Using Lenders: -Prepaid Taxes-Prepaid Insurance-Appraisal Fee-Lenders Fees (Vary by Lender)-Lender Interest Rate Buydown Points (are negotiable to further reduce interest rate or allow for a larger lender credit to buyer)#home #firsttimehomebuyer #sacramento #california For a 60 second or less version of this article, check out the "This Short Video"Check out More Home Buyer information  Check out More Home Seller information 

Sacramento Real Estate Market in 2024

    The real estate market in Sacramento is heating up this winter going into spring of 2024. Interest rates have remained in the high 6% range and even into the 7% range depending on the day / week. Prices are starting to increase already as evidenced but multiple offers over asking on properties in the greater Sacramento Area. As much as buyer want lower interest rates, buyers who have not yet purchased a home should hope they stay the same or drop very gradually. A gradual change in interest rate will avoid the pent up demand of buyers who are in the wings waiting to buy a home from flooding the market all at once. We DO NOT WANT A REPEAT OF late 2020-Early 2022. The market should grow on average about 5% this year if everything remains the same. That means as long as interest rates stay where they are, and no major economic or global events occur we should expect a sellers market with limited housing supply.   #sacramento #california #realestate #houses   For a 60 second or less version of this article, check out the "This Short Video"   "More Buyer Information" "More Seller Information"